An integrated point of sale terminal for processing multiple payment types including payment by check includes a compact housing, a processor, and memory. The housing has a base shaped to sit on a merchant counter and has a document slot for receiving a check. The processor is disposed in the housing, and the memory is in communication with the processor. The payment terminal is located at the point of sale during use to allow a store merchant to accept multiple payment types. The payment terminal further includes a magnetic ink character recognition device for reading a string of magnetic ink characters on the check. The magnetic ink character recognition device is affixed to the housing at the document slot and is in communication with the processor. Further, the payment terminal includes an imaging device for capturing an image of the check. The imaging device is affixed to the housing at the document slot and is in communication with the processor. The processor is programed to process multiple payment types including processing a checking account transaction when the check is placed in a document slot.
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1. An integrated point of sale payment terminal for processing multiple payment types including payment by check, the payment terminal being located at the point of sale during use to allow a store merchant to accept multiple payment types, the payment terminal comprising:
a compact housing having a base shaped to sit on a merchant counter and having a document slot for receiving a check, the housing defining a compact footprint and the document slot being arranged such that the presence of the document slot does not enlarge the housing footprint;
a processor disposed in the housing;
a memory in communication with the processor;
a magnetic ink character recognition device, for reading a string of magnetic ink characters on the check, affixed to the housing at the document slot and in communication with the processor; and
an imaging device, for capturing an image of the check, affixed to the housing at the document slot and in communication with the processor the imaging device being arranged such that the presence of the imaging device affixed to the housing does not enlarge the housing footprint,
wherein the processor is programmed to process multiple payment types including processing a checking account transaction when the check is placed in the document slot.
17. A method of electronic check conversion for use with an integrated point of sale payment terminal for processing multiple payment types including payment by check, the payment terminal being located at the point of sale during use to allow a store merchant to accept multiple payment types, the payment terminal including a compact housing having a base shaped to sit on a merchant counter and having a document slot for receiving a check, a processor disposed in the housing, a memory in communication with the processor, a magnetic ink character recognition device for reading a string of magnetic ink characters on the check and affixed to the housing at the document slot and in communication with the processor, and an imaging device for capturing an image of the check and affixed to the housing at the document slot and in communication with the processor, wherein the processor is programmed to process multiple payment types including processing a checking account transaction when the check is placed in the document slot, the method comprising:
capturing an image of the check at the payment terminal;
presenting a check transaction to a host;
converting the check transaction to an electronic check transaction at the host by sending the captured image of the check to the host.
11. An integrated point of sale payment terminal for processing multiple payment types including payment by debit, payment by credit, payment by smart card, and payment by check, the payment terminal being located at the point of sale during use to allow a store merchant to accept multiple payment types, the payment terminal comprising:
a compact housing having a base shaped to sit on a merchant counter and having a first slot for receiving a payment card, a second slot for receiving a check, and a third slot for receiving a smart card, the housing defining a compact footprint and the second slot being arranged such that the presence of the second slot does not enlarge the housing footprint;
a processor disposed in the housing;
a random access memory in communication with the processor;
a display on the housing and in communication with the processor;
a keypad on the housing and in communication with the processor;
a magnetic stripe reader affixed to the housing at the first slot and in communication with the processor;
a magnetic ink character recognition device, for reading a string of magnetic ink characters on the check, affixed to the housing at the second slot and in communication with the processor;
an imaging device, for capturing an image of the check, affixed to the housing at the second slot and in communication with the processor the imaging device being arranged such that the presence of the imaging device affixed to the housing does not enlarge the housing footprint;
a smart card reader affixed to the housing at the third slot and in communication with the processor;
a printing device; and
a modem located in the housing and in communication with the processor,
wherein the processor is programmed to process multiple payment types including processing a credit card when the credit card is passed through the first slot and printing a receipt, processing a debit card when the debit card is passed through the first slot and printing a receipt, processing a smart card when the smart card is passed through the third slot and printing a receipt, and further including processing a checking account transaction when a check is placed in the second slot.
2. The payment terminal of
a display on the housing and in communication with the processor.
3. The payment terminal of
a keypad on the housing and in communication with the processor.
4. The payment terminal of
a magnetic stripe reader affixed to the housing at the second slot and in communication with the processor.
5. The payment terminal of
a printing device configured to print on a roll receipt and further configured to print on the check received in the document slot.
6. The payment terminal of
a modem located in the housing and in communication with the processor.
7. The payment terminal of
a serial port located on the housing and in communication with the processor for connecting an external device to the payment terminal.
8. The payment terminal of
a smart card reader affixed to the housing and in communication with the processor.
9. The payment terminal of
10. The payment terminal of
12. The payment terminal of
13. The payment terminal of
14. The payment terminal of
15. The payment terminal of
16. The payment terminal of
a serial port in communication with the processor for connecting an external device to the payment terminal.
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This is a continuation of U.S. application Ser. No. 10/358,615 filed Feb. 5, 2003 which is a continuation of U.S. application Ser. No. 09/634,901 filed Aug. 9, 2000 which claims the benefit of provisional patent application Ser. No. 60/147,899 filed on Aug. 9, 1999, entitled “INTEGRATED POINT OF SALE DEVICE,” which is hereby incorporated by reference in its entirety.
This invention relates to point of sale devices and point of sale transactions.
In the sale of goods by a merchant to a consumer, there are various point of sale devices available to the merchant which may be utilized to complete the transaction. Typically, each point of sale device has limited functionality. For example, one known point of sale device is the debit card reader that exists in, for example, some grocery stores. The merchant rings up a total amount due on a register, and passes the debit card through a card reader to debit the consumer account. Credit card readers work in a similar way. Usually, the functionality of these available point of sale devices is quite limited. If a merchant desires to have enhanced point of sale capabilities, multiple devices are required. Unfortunately, counter space is very valuable to the merchant good seller. Because the merchant usually must use multiple point of sale devices if more than a single point of sale function is required, these multiple devices take up valuable counter space. Although many of these devices have been commercially successful, the merchant is forced to make a trade off between having additional and enhanced capability at the point of sale and having more available counter space for small items that are commonly bought as a customer is about to check out.
For the foregoing reasons, there is a need for a point of sale payment terminal that overcomes the limitations of the prior art and allows the merchant good seller to avoid the burdensome trade off decisions that must be made when deciding the importance of added counter space versus the importance of added functionality at the point of sale.
It is, therefore, an object of the present invention to provide an integrated point of sale payment terminal for processing multiple payment types preferably including but not limited to payment by debit, payment by credit, payment by smart card, and payment by check, where the payment terminal may be located at the point of sale during use to allow a store merchant to accept multiple payment types with the single payment terminal.
In carrying out the above object, an integrated point of sale payment terminal for processing multiple payment types including payment by check, is provided. The payment terminal is located at the point of sale during use to allow a store merchant to accept multiple payment types. The payment terminal comprises a compact housing having a base shaped to sit on a merchant counter and having a document slot for receiving a check. The payment terminal further comprises a processor disposed in the housing, a memory in communication with the processor, a magnetic ink character recognition device, and an imaging device. The magnetic ink character recognition device is for reading a string of magnetic ink characters on the check, and is affixed to the housing at the document slot and in communication with the processor. The imaging device is for capturing an image of the check, and is affixed to the housing at the document slot and in communication with the processor. The processor is programed to process multiple payment types including processing a checking account transaction when the check is placed in the document slot.
In preferred embodiments of the present invention, the payment terminal further comprises a display on the housing and in communication with the processor and a keypad on the housing and in communication with the processor. Further, in a preferred embodiment, the housing has a second slot for receiving a payment card, and the payment terminal further comprises a magnetic stripe reader. The magnetic stripe reader is affixed to the housing at the second slot and is in communication with the processor.
Further, preferred embodiments include a printing device, and a modem located in the housing and in communication with the processor. And further, preferred embodiments include a serial port located on the housing and in communication with the processor for connecting an external device to the payment terminal. In addition, preferred embodiments of the present invention include a smart card reader affixed to the housing and in communication with the processor.
In some embodiments, the payment terminal is further configured to determine an authenticity of the document, and the payment terminal is further configured to utilize dynamic thresholding to, in real-time, discriminate text from background as it relates to checks at point of sale.
Further in carrying out the invention, an integrated point of sale payment terminal is provided. The payment terminal comprises a compact housing having a base shaped to sit on a merchant counter and having a first slot for receiving a payment card, a second slot for receiving a check, and a third slot for receiving a smart card. The payment terminal further comprises a processor disposed in the housing, a random access memory in communication with the processor, a display on the housing and in communication with the processor, and a keypad on the housing and in communication with the processor.
The payment terminal further comprises a magnetic stripe reader, a magnetic ink character recognition device, an imaging device, a smart card reader, a printing device, and a modem. The magnetic stripe reader is affixed to the housing at the first slot and is in communication with the processor. The magnetic ink character recognition device is for reading a string of magnetic ink characters on the check, and is affixed to the housing at the second slot in communication with the processor. The imaging device is for capturing an image of the check, and is affixed to the housing at the second slot and in communication with the processor. The modem is located in the housing and in communication with the processor.
The processor is programmed to process multiple payment types from the consumer, including processing a credit card or a debit card. The credit card or debit card is processed when the credit card or debit card is passed through (or equivalently is received in) the first slot and a receipt is printed. The smart card is processed when the smart card passes through the third slot and a receipt is printed. Further, the processor is programmed to process a checking account transaction when a check is placed in the second slot.
Advantageously, the single payment terminal has a compact housing allowing the acceptance of multiple payment types while avoiding overuse of counter space. Advantageously, the processor and associated devices may handle, for example, credit card payment, debit card payment, smart card payment or checking account payment which may be payment by paper check or payment by electronic debit.
In some embodiments of the present invention, the payment terminal comprises a printing device configured to print on a roll receipt and further configured to print on a check (or other document, for example, a money order) that is received in the second slot. That is, advantageously, a single printing device may print receipts off of a paper roll or print directly to a check to, for example, fill out the blanks on a check or frank the back of the check as “for deposit.” Preferably, the processor is further programmed to, when processing a checking account transaction, print a receipt on the check and treat the transaction as an electronic debit. Printing the receipt may include marking the check as void or processed. Alternatively, when processing a checking account transaction that is a payment by paper check as opposed to an electronic debit of the checking account, the processor is programmed to frank the check as “for deposit.”
In addition to embodiments of the present invention including a modem for connecting to a host that approves the transaction or requests other information regarding the transaction, preferred embodiments of the present invention include one or more serial ports in communication with the processor for connecting an external device to the payment terminal. For example, the payment terminal processor may be configured to support various auxiliary input devices that may be connected through the serial port. For example, some embodiments of the present invention may further be provided with an integrated smart card reader or in the alternative, a smart card reader may be connected via one of the available serial ports.
Still further, in carrying out the present invention, an integrated point of sale payment terminal for processing multiple payment types including payment by debit, payment by credit, payment by smart card, and payment by check, is provided. The payment terminal compromises a compact housing having a base shaped to sit on a merchant counter and having a first slot for receiving a consumer payment card and a second slot for receiving a consumer check. The payment terminal further comprises a processor, a random access memory, a display, a keypad, a magnetic stripe reader, a magnetic ink character recognition device, an imaging device, and a printing device. The magnetic ink character recognition device is for reading a string of magnetic characters on the check, and is affixed to the housing at the second slot and in communication with the processor. The imaging device is for optically reading the check, and is affixed to the housing at the second slot and in communication with the processor. The processor utilizes both the magnetic ink character recognition device and the optical character recognition device to determine a content of the string in these embodiments of the present invention.
Advantageously, the combination of the magnetic ink character recognition device and the imaging device provides enhanced ability for the payment terminal to read the routing and account numbers from the bottom of the check. Alternatively, only the magnetic ink character recognition device or only the imaging device may be used instead of both, but both are preferred. The imaging device may be configured with sufficient imaging range to provide an image of the entire check while also being capable of scanning the bottom edge of the check where the routing and account numbers are located.
The advantages associated with embodiments of the present invention are numerous. For example, embodiments of the present invention provide a single payment terminal utilizing a compact housing that sits on a merchant counter. The compact housing uses minimal space while providing maximal functionality with the various devices provided on the payment terminal for accepting various types of payments such as debit cards, credit cards, payment by check, payment by smart card, etc. It is to be appreciated that embodiments of the present invention provide the functionality that heretofore was only provided by multiple devices with each of the devices taking up valuable counter space which was undesirable to the merchant. With the present invention, the merchant no longer faces the difficult trade off decision of counter space versus payment acceptance versatility, but can instead utilize a payment terminal of the present invention to use a reduced amount of counter space due to the compact housing while having the added functionality and versatility of the present invention payment terminal.
The above object and other objects, features, and advantages of the present invention will be readily appreciated by one of ordinary skill in the art from the following detailed description of the best mode for carrying out the invention when taken in connection with the accompanying drawings.
In
With continuing reference to
A magnetic stripe reader 18 is preferably a bi-directional magnetic stripe reader. An imaging device 20 is preferably capable of 300 dot per inch captures and may capture documents as large as a standard business check. A magnetic ink character recognition device 22 is capable of reading a string of magnetic ink characters on the check (check means either a personal or a business check). A suitable magnetic ink character recognition device is capable of reading E13B and CMC7 fonts. As mentioned previously, preferred embodiments also utilize optical character recognition. Optical character recognition may be implemented as a function of the imaging device 20. A printer 24 is preferably an ink jet printer capable of printing on roll paper or on checks received in the check slot. The roll paper is received at 26. Of course, it is appreciated that the printer may be suitable for printing on other documents in addition to checks, such as filling out money orders which may be imaged and sent to the host. Further, the terms check slot and document slot are used interchangeably herein, and mean any slot that receives documents for reading and/or printing.
Terminal 10 preferably includes a smart card reader (56,
As mentioned previously, a terminal device of the present invention preferably meets the specifications given above for the Eclipse™, but various modifications may be made while still falling within the scope of the present invention. A preferred embodiment of the present invention is broadly illustrated in block diagram 30 of
A suitable operating system for use with the Motorola 68302 processor is the TXO operating system developed by Verifone, a division of Hewlett-Packard. Of course, other operating systems may be suitable for embodiments of the present invention as is appreciated by those skilled in the art of microprocessor programming.
With reference to
It is appreciated that the below description explains a suitable construction of the integrated point of sale (POS) device and operation of a payment terminal device in greater detail, and that the present invention is not limited to the particular specifications and operations described below. The integrated point of sale (POS) device of the present invention addresses the needs of the check conversion market. The product is an integrated check/credit/debit/smart card capable terminal with internal Magnetic Ink Character Recognition (MICR), Imaging, Magnetic Stripe Reader (MSR), modem, RS232 and/or RS485 serial ports and a combined document/receipt printer. The terminal integrates an ink-jet printer capable of printing on the check or other document. This same printer is also used to print the transaction receipt(s).
The combination of magnetic and optical reads reduces read and substitution errors of the MICR digits on a check. For example, in reading checks, a preferred terminal has both magnetic and optical read capability. By implementing a combination or subcombination of the above devices, the integrated point of sale (POS) device is able to capture only the essential customer information from the face of the check to aid in settlement and returns collection. Also, the capture of the MICR image aids in resolving magnetic decoding errors of routing and account numbers.
The preferred payment terminal (or point of sale device) is capable of dynamic downloading which allows the host to change parameters or download any new applications on the machine when the host determines that a particular device is using outdated software. This process begins where the POS device sends the application version in the authorization packet. If the host determines a more current version of the application is required, the host will send an indicator/tag in the response packet. The terminal application will set the POS device to contact (dial) the host at a specific time to pick up a new application.
Typical Check Transaction Scenario
The terminal is capable of printing the date, payee, text amount and numeric amount onto the check to speed the transaction at the point of sale. If this option is desired, the clerk inserts the unsigned blank check into the terminal for printing. The printed check is then returned to the customer. Under the standard conversion model, it is not important for the customer to actually sign the check. Some elements listed below may happen concurrently based on the overall throughput of the terminal, such as steps (c)/(d) and (e)/(f).
Typical Transaction Flow:
The typical transaction flow may vary depending on factors which include but are not limited to circumstances where: (1) the checkwriter signs the receipt; (2) the check writer does not sign the receipt; (3)a merchant receipt does not automatically print. Some of these variations are apparent from
If the Check Writer Signs the Receipt
Check conversion application (ECA) includes on screen batch/transaction detail and summary reports. These reports can also be printed. Batch reconciliation, reporting and closing similar to credit cards.
It is appreciated that, in the alternative, it may not be necessary to have the customer sign the receipt. That is, the full image of the check may be used to process an electronic debit to facilitate Image Based Check Processing or Presentment. Implementations of the present invention may allow for three different types of transactions. The first type is processing the check as a paper check, without requiring a signed receipt. The second type of transaction is image based processing or presentment. The third type is electronic check conversion, which will require a signed receipt.
Paper Jam Clearing
The device preferably contains an internal paper transport mechanism, and it is important that the rare occurrence of a paper jam be cleared quickly and easily. Paper checks and other documents can vary widely in flatness, thickness, and shape.
In the event of a jam, the device is designed with a front latch and rear hinge on the topcase to allow internal access of the paper path. Once the unit has been opened, the leading or trailing edge of the jammed document can be easily removed from the mechanism. Normal terminal operation will resume after the topcase is latched into the closed position.
Mechanical Requirements
A suitable device conforms to the following specifications. Mechanical requirements for governing mechanical standards, case design, display and keypad, MICR, imaging, transport design, MSR, smart card, modem, printer, reliability, safety, environmental and regulatory requirements are described in provisional patent application Ser. No. 60/147,899. Of course, it is appreciated that those requirements are suitable and that requirements may vary on different implementations of the payment terminal.
Hardware
Further, a suitable device conforms to the following hardware requirements. Hardware requirements for governing standards, memory, ports, real time clock, display and keypad, MICR, MSR, smart card reader, modem, imaging, printer, power, power failure, safety and regulatory environmental, reliability and sound output are described in provisional patent application Ser. No. 60/147,899. Of course, it is appreciated that those requirements are suitable and that requirements may vary on different implementations of the payment terminal.
Software
Further, a suitable device conforms to the following software requirements. Software requirements for memory, ports, downloading, keypad and sound, MICR, MSR, smart card reader, modem, imaging, printer, power failure, operating system and applications development support environment, and mechanical (reset) are described in provisional patent application Ser. No. 60/147,899. Of course, it is appreciated that those requirements are suitable and that requirements may vary on different implementations of the payment terminal.
Implementation of Software
Still further, a suitable device conforms to the following requirements for implementation of software. Implementation of software requirements for authorization, storage, and retrieval are described in provisional patent application Ser. No. 60/147,899. Of course, it is appreciated that those requirements are suitable and that requirements may vary on different implementations of the payment terminal.
Communicating Between the Integrated POS Device and the Host
Referring to
The remaining portion of this process is to send the requested images to Telecheck or another suitable service company. This gateway 126 primarily receives the image blocks and stores them in tagged image format (TIF) in a temporary directory 128 on the gateway itself, then the images may be grabbed over network 130 by the backend systems which may vary depending on the overall network structure.
Method of Communicating Between the Integrated POS Device and the Host (140)
4. The host requests the image, if desired (block 148), and the communication is ended (block 150). The host preferably includes suitable logic for determining whether or not an image of the check should be requested immediately, requested to be sent at the next idle time, or not sent at all. The logic bases the decision of whether or not to request the check image and when to request the check image, on any number of factors. For example, the decision may be based on transaction risk or historical information. That is, a higher risk transaction may require an immediate transfer of the check image. Further, the amount of risk necessary before a transaction requires the immediate sending of an image may vary depending on the amount of the transaction such that higher transaction amounts will require an immediate transfer of the image when there is less risk than a lower transaction amount. For example, the logic may look to the data base and see what information is available regarding the particular account number, and how old that information is. If the information is relatively old relative to the particular risk associated with that transaction, an immediate image transfer may be required. On the other hand, if recent information is available regarding the account number, the image may be suitably sent at idle.
It is appreciated that the most preferred implementation of the terminal device is the Eclipse™ available from Telecheck Services, Inc. Of course, it is appreciated that implementations of the terminal device of the present invention may vary in accordance with the broad description given previously.
It is further appreciated that the backend network applications (cloud 130,
It is appreciated that the technology used to look for water marks and/or detect counterfeit currency or checks may be any known or available technology as appreciated by one skilled in the art. For example, the technology may utilize a light source, a form of imaging, or any other known technique for detecting authenticity of documents including currency.
While embodiments of the invention have been illustrated and described, it is not intended that these embodiments illustrate and describe all possible forms of the invention. Rather, the words used in the specification are words of description rather than limitation, and it is understood that various changes may be made without departing from the spirit and scope of the invention.
Mollett, Cassandra J., Smith, David Wayne, Templeton, Randy J.
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